HDFC Millennia vs IRCTC SBI Card Premier
Detailed comparison of these two popular credit cards
Winner
HDFC Millennia
HDFC Bank
Mid-RangeVS
IRCTC SBI Card Premier
SBI Card
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs ₹1K
Effective Rate
(cash value)
1.0% vs 0.8%
Lounge Access
8/year vs None
Detailed Comparison
| Feature | HDFC Millennia | IRCTC SBI Card Premier |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹1K |
| Annual Fee | ₹1K | ₹1K |
| Fee Waiver | Spend ₹1L annually | Spend ₹2L annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 0.8% |
Lounge Access | ||
| Domestic Lounges | 8/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹4.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 34vsScore: 23
